There has been no more popular activity in the market lately than the new deal of second-hand house taxes and fees. Whether it's about buying a house, changing it, or having friends who want to make a move: how much is the tax going down? How much money can i save? Now you want to buy the money or wait
It was said that it was a market “chute” that could stabilize housing prices; it was said that it was a “strength needle” that could activate the trade volume。
You're the one who knows second-hand house taxes
First, the core, the highest pounds of change:
Value added tax (vat) dropped sharply. Less than two years from 5% to 3%
According to the official bulletin of the ministry of finance and the general tax administration, which was in force since 1 january 2026:
- individual sale of housing under 2 years: full vat at ** 3%**
- individuals selling housing for 2 years or more: vat exemption
Compared to the previous 5 per cent, the direct reduction was 2 percentage points, a decrease of up to 40 per cent。
It's not a small amount. We'll figure it out。
For example, a 1 million-dollar house:
- before the new deal: 1 million x 5% = 50,000
- after the new deal: 1 million x 3% = 30,000
Directly save $20,000
In the case of 3 million houses, it would have saved 60,000 in one breath, equivalent to a walker, several years of property fees, and real silver and silver in his pocket。
More conscientiously:
Up to 2 years of total exemption, with no distinction between ordinary and non-ordinary dwellings, and with uniform national standards。
The same applies to the north, where there is no special treatment and where there is no discrimination。
The following is the most important tax grant, which was introduced in 2026:
First set: 90 m2 up to 1%; 90 m2 above 1. 5%
- two sets: 1-2 per cent for most cities
- three sets and above: implemented as per local regulations, general 3 per cent
One million houses, with a maximum of 15,000 initial rates, are much less stressful。
Then the personal income tax. The rules are clear:
- five singles: a tax exemption
- less than 5 years or not unique: at 1 per cent of the full or 20 per cent of the difference, whichever is less
To save a tax, remember four words: full of five。
The state also issued “big red packs” for families who change houses:
Selling old and buying new, you can apply for a tax refund in a year
Sell one house, buy another, and the tax paid is refunded proportionately。
Improved families can save money。
Many ask: "this new tax deal, is it a parachute or a strong heart?"
Here's the big truth:
- for sellers: it's a parachute, lower taxes and fees, easier to fight, no need to cut meat at a reduced price
- for buyers: strong needles, lower cost of buying a house, less money for immediate needs and improvements
Markets are more stable and both buyers and sellers benefit。
Who's best at taking advantage? The four categories woke up:
1. Landlords who wish to sell a house under two years: most vat
2. First home buyers: low tax, low total price, low pressure
3. Selling old and buying new and improved families: tax refunds + low taxes, double benefits
4. Buyers and sellers of housing stock after 2 years: direct vat exemption, most cost-effective
Don't step on these three pits
1. Don't miscalculate the price of the house
Don't believe in “internal channels for tax avoidance”, all according to official policy
3. Do not forget that vat has been reduced from 5 per cent to 3 per cent for less than 2 years
And finally, i'll give you one of the most stable house-buyers in 2026:
- just having to live in one's own home: priority is given to two years of housing, and vat is the best
- improve the change of houses: enjoy the tax refund policy for a year, don't miss it
- there's room in there for sale: no rush to lower the price, better cut taxes
In summary:
The new 2026 second-hand house tax policy represents a reduction in real money and silver。
There has been a sharp drop in vat, tax concessions, tax rebates and a three-fold recovery。
Buying or selling is less expensive and less expensive。
The policy is solid, accounting is smart。
I hope everyone buys and sells and spends less money
